Contrary to popular opinion, it is not easy to become a DJ. It’s not all about spinning records, running a DJ business takes hard work and a lot of time. If you’ve come this far, the last thing you want is for an incident to occur, causing a devastating financial loss to your DJ business. It’s important to have the right insurance cover so that if something does happen, your business and yourself are protected and money can’t buy that kind of peace of mind.
Equipment Insurance for DJs
If you are a DJ and are being paid to party to top tunes then the chances are that you’ve invested a lot of cash in your DJ equipment. You must make sure that this equipment is properly insured against theft and damage while you are working and also while it is stored away.
Having the proper equipment cover means you will avoid having to pay for repairs or replacements out of your own pocket if something happens to your equipment. Ashburnham Insurance provides tools cover for insuring your DJ equipment. Normally there are several options which provide different levels of insurance coverage depending on what each individual needs. Each insurer is different in the cover that they provide so it is always important to read through the terms and conditions of each policy before taking out cover.
Public Liability Insurance for DJs
Whilst it might appear that a DJ simply sits in the safety of the DJ booth playing songs and are not likely to be involved in an accident, this really isn’t the case. There are many different kinds of DJs and many different types of work for DJs. All DJs work within an industry that typically attends functions or events packed full of people and an accident can occur at any type of event. Whether it’s a cocktail party, a 21st birthday party or a corporate benefit event, there will always be things that are out of your control and accidents do happen. This means that as a DJ you will want to make sure that you have the right insurance so that you are covered for any accidents that may occur.
If you are a DJ then public liability insurance is optional but highly recommended. You will find that most clubs and venues that you are hired to perform at will insist that you have DJ insurance with Public Liability Insurance included. So taking out public liability insurance means you’ll have the peace of mind that you are covered and also able to get more work.
DJs and mobile discos typically perform at social clubs and nightclubs but can also be hired to play their sets at special occasions and events such as weddings and birthday parties. Usually, the dance floor has a large crowd, dancing away to the songs that the DJ is playing.
If you are a DJ, by making sure you have the right DJ insurance policy that includes public liability insurance, you will be better protected in the following scenarios:
- You leave an equipment storage box on the floor and a member of the public trip over it
- A speaker falls from a stand and causes a member of the public an injury
- Someone at a party you’re performing at accidentally trips over a wire from your sound system and hurts themselves
- Your DJ equipment catches fire causing financial loss and injury to the public
The level of cover you need usually depends on the size of the venues you typically play. Ashburnham Insurance provides public liability insurance for all types of mobile DJ including music disc jockeys at weddings and birthday parties and specialist club DJs who are hoping to make it as a superstar DJ one day. Ashburnham even provides cover for video jockeys also known as veejays or VJs for short.